Deposit Rates
Effective March 21, 2025
| Account Type | Rate | APY* |
|---|---|---|
| President's Club | 0.05% | 0.05% |
| Business Interest Checking | 0.05% | 0.05% |
| Regular Savings | 0.05% | 0.05% |
| Christmas Savings | 0.05% | 0.05% |
| Rate Climber Money Market | ||
| $0 to $9,999.99 | 0.05% | 0.05% |
| $10,000.00 to $49,999.99 | 0.10% | 0.10% |
| $50,000.00 and higher | 0.15% | 0.15% |
| Public Funds (All Tiers) | 0.05% | 0.05% |
*APY = Annual Percentage Yield
Rates are subject to change without notice, and these changes will be communicated via this web page. The time frame of these effective rates is indefinite until the rates are changed. Interest accrues by the "daily balance" method which begins after account opening. Minimum Balance required to obtain APY. Fees may reduce earnings.
Minimum Balance required to open accounts:
President's Club - $1,000
Business Interest Checking - $1,000
Regular Savings - $100
Christmas Savings - no minimum
Certificates of Deposit (Regular & IRAs)
| Term | Rate | APY* | IRA APY* |
|---|---|---|---|
| 3 Month | 4.00% | 4.06% | 4.06% |
| 6 Month | 3.75% | 3.79% | 3.80% |
| 12 Month | 3.50% | 3.50% | 3.55% |
| 18 Month | 3.25% | 3.25% | 3.29% |
| 24 Month | 3.35% | 3.35% | 3.39% |
| 36 Month | 3.00% | 3.00% | 3.03% |
| 48 Month | 3.00% | 3.00% | 3.03% |
| 60 Month | 2.50% | 2.50% | 2.52% |
*APY = Annual Percentage Yield
$1000 minimum to open certificates of deposit/$100 for IRA's. Interest accrues by the "daily balance" method which begins after account opening. Penalty will be imposed for early withdrawal.
For Public Fund CD rates and APY, please call (931)359-4322 or visit a First Commerce Bank branch.